Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Gas Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Review: Dodge Credit Card

dodge-logoThe Chrysler Group offers a Dodge credit card in partnership with First Bankcard that allows you to earn reward points toward future Dodge & Chrysler Group purchases as well as other potential rewards. Our overview / review of the Dodge credit card is below:

The Dodge MasterCard is accepted at Dodge and other Chrysler Group (Chrysler, Jeep, Fiat) dealerships and anywhere else MasterCard is accepted. This wide acceptance is a good thing, making the card more useful than cards that can only be used at certain store chains or individual merchants.
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Sam’s Club Credit Card Payment, Login, and Customer Service Information

sams-club-mastercardSam’s Club consumer and business credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and you will interact with Synchrony Bank in order to pay your bill online or by mail, or to get customer service help. You can access all of those options below:

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Lowe’s Credit Cards Review

lowes-logoLowe’s offers a consumer credit card and a business credit card. Below is a summary of what each offers and a brief review of the upsides and downsides of getting a Lowe’s credit card:

The Lowe’s Consumer Credit Card obviously allows you to pay for Lowe’s purchases on credit, but it also offers a decent rewards / discount program. You get 5% off purchases that you make with your Lowe’s credit card, OR you can choose to pay off purchases of $299 or more over a 6-month period without paying interest. (But you must pay the complete balance in that 6-month period or you’ll get charged all of the interest that would’ve accrued from the purchase date — as if the 0% offer never existed!)
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Nordstrom Credit Card Payment, Login, and Customer Service Information

nordstrom-credit-cardNordstrom offers its branded credit cards through its very own Nordstrom Bank, which is the financial institution you will deal with when it comes to paying your credit card bill online or by mail, or to get customer service help. All the information you need to accomplish any of these tasks is below:

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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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Unsecured Credit Cards For Bad Credit

bad_creditIf you have bad credit and you’re looking for a credit card, it’s easy to get a secured credit card that charges an annual fee, but it’s more difficult to be accepted for an unsecured credit card with no fee. We’ve created a list of unsecured credit cards that you might apply for even with bad credit. There is no guarantee any of these will accept you, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.
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Review: National Geographic Credit Card

national-geographic-credit-cardThe National Geographic Society, in partnership with First Bankcard/First National Bank of Omaha, offers a credit card that allows you to support National Geographic while also earning some rewards for yourself. See our overview / review below for a complete summary of the card:

One thing we always find a little bothersome about credit cards affiliated with non-profit organizations is that you never know exactly how your card is supporting the organization. For example, the marketing for this card says “Using your National Geographic Visa Card supports our non-profit work in exploration, conservation, and education.” That implies that some percentage of your card purchases goes to National Geographic but no one is telling you how much. It might be a lot, it might be almost nothing; there is no transparency here. Something to consider.
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National Geographic Credit Card Payment, Login, and Customer Service Information

national-geographic-credit-cardThe National Geographic Visa is issued by First Bankcard/First National Bank of Omaha, and it is First Bankcard you will interact with in order to make a payment online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:

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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Secured Credit Cards

bankamericard_securedSecured credit cards are credit cards for people with bad credit or those seeking credit for the first time. If poor credit or no credit history causes banks to turn you down for “regular” unsecured credit cards, they often will approve you for secured cards instead. They then may offer you an unsecured credit card down the road if you prove you’ve got a handle on using the card responsibly.
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Review: HH Gregg Credit Card

hh-gregg-logoAppliance and electronics retailer HH Gregg, in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), offers a credit card that offers discounts and special financing on the larger purchases often made at their stores. Our overview / review of the card is below:

The first thing to understand about the HH Gregg credit card is that it can only be used at HH Gregg, and no other stores. You should ask yourself whether the card really offers you enough to make it worth opening another credit line or not.
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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: Capital One Credit Cards

cap1logoBelow we offer a rundown of credit cards currently available from Capital One, with short reviews of each. Click through on any link to apply via the card’s online application:

  • Capital One Platinum Prestige MasterCard – Capital One’s lowest interest credit card is meant for those with excellent credit. (If you have a not-so-great credit history, Capital One has cards geared to you, see the links below.) In addition to giving you a low interest rate if you meet their credit qualifications, it also gives you a 0% interest rate on purchases AND on any balances you transfer for the first 15 months or so that you have the card. Click through for further details and to see what Capital One considers “excellent credit.”

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Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

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